Complaint Review: Merrick Bank - Draper Utah
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- Author Not Confirmed
- Merrick Bank P.O. BOX 5000 Draper , Utah USA
- Phone: 1-800-253-2322
- Web: www.MerrickBank.com
- Category: Credit Card Processing Companies
Merrick Bank Unfair Practices / Bait & Switch Draper Utah
*Consumer Comment: Merricks fraudulent late fees/ interest fees
*Consumer Comment: Pay off and Cancel
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After making payments totaling $404 over a 6 month period towards a $750 balance, with no credit card use, to still have a $730 balance, I contacted Merrick Bank to see how much of my payment was actually being applied towards the principal balance. I learned that after one year of having an opening my account, the annual fee then reverts to a monthly maintenance fee, which covers paper statements being sent and to post payments to my account that I make to pay towards paying the account off. Additionally, they also charge interest on this manadatory maintenance fee, which to me equates to double dipping. I was completely appalled and in hopes that there are others outraged by this, I'm submitting this report to draw awareness to current cardholders and deter future Merrick Bank customers from getting caught up in this predatory lender who makes promises to people like myself, who was trying to rebuild their credit and now I'm caught up in a black hole of carrying a balance. I'm very much interested in a filing a class action lawsuit against this company for any attorneys or current card holders interested.
This report was posted on Ripoff Report on 05/27/2013 06:44 PM and is a permanent record located here: https://www.ripoffreport.com/reports/merrick-bank/draper-utah-84020/merrick-bank-unfair-practices-bait-switch-draper-utah-1054216. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#2 Consumer Comment
Merricks fraudulent late fees/ interest fees
AUTHOR: Billie - (United States)
SUBMITTED: Monday, July 29, 2019
I agree 100% with you on this issue with this bank. They dont send statements either by postal nor email. Try to go online to scan over the bill...you're locked out.. Username doesnt match ....every excuse! When i opened MY account...i went paperless also allowed Them to go in and AUTO PAY from my bank account.. Pretty simple...well, locked out of my account..am told this Must be a internet issue...?
Ok, so really not sure whats Going on with account ...only that money is sucking out every month..out of the blue , i get a statement in the mail . .. (Mind you , im paperless) im over my limit! I owe more then what i originally started with! Late fees and then the interest Fees. Im seeing that my due date THEY provided me is the 16th... Funny enough , the auto pay doesnt come out until the 17th Haha! Im like what ??
Try to tell me about some cycle... Definitely closing it ...and try to find a way to find them at fault I have all bank records...and 1. Only 1 statement from them. Am very interested in class action suit....since theres so many similar complaints concerning this bsnk!
#1 Consumer Comment
Pay off and Cancel
AUTHOR: Michiganladee - ()
SUBMITTED: Tuesday, September 10, 2013
I wonder why you just don't close the account and pay it off, or pay the balance and close the account whichever is easiest for you.
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